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Five more states have been granted relief from key requirements of the Bush-era No Child Left Behind law, bringing the total to 24 states given waivers, the Education Department said Friday.
Five more states have been granted relief from key requirements of the Bush-era No Child Left Behind law, bringing the total to 24 states given waivers, the Education Department said Friday.
Arkansas, Missouri, South Dakota, Utah and Virginia will be freed from the No Child Left Behind requirement that all students test proficient in math and reading by 2014, a goal the nation remains far from achieving.
In exchange, the states and all others granted waivers must develop accountability plans that set new targets for raising achievement, advancing teacher effectiveness, preparing all students for careers and college and improving the performance of low-performing schools.
"We all understand that the best ideas don't come from Washington, and moving forward, these states will have increased flexibility with federal funds and relief from NCLB's mandates, allowing them to develop locally tailored solutions to meet their unique educational challenges," Education Secretary Arne Duncan said.
Democrats and Republicans agree the No Child Left Behind law is broken but have been unable to agree on how to fix it. The law has been praised for shining a light on the performance of minorities, low-income students, English language learners and special education students but also has led to an increasing number of schools being labeled as "failing" and subject to a prescribed set of interventions — even if just one of these groups didn't meet learning targets.
Critics of the law also say it has had the unintended effect of encouraging instructors to teach to the test and has led schools to narrow their curriculums.
Duncan and the White House have pushed for a comprehensive reauthorization of the Elementary and Secondary Education Act, but there has been little movement in Congress over the past two years. After Duncan warned that 82 percent of schools could be labeled "failing" — a figure many said was inflated, but nonetheless agreed to be rising — the Obama administration announced last year that states could apply for waivers. Republicans have charged that the president with overreaching his authority and imposing his vision for education on the states.
Iowa's waiver request was rejected last week. Iowa Education Department Director Jason Glass said the state's application met all the U.S. Education Department's requirements, except on teacher evaluations. In order to receive a waiver, states must have teacher evaluation systems that include at least three performance levels and factor in student progress, among other elements.
Iowa lawmakers passed a bill in May directing a task force to study the issue and make recommendations for the 2013 legislative session, rather than giving the state Education Department authority to develop evaluations meeting the waiver's requirements.
"I think this raises significant concern about federal overreach as well as executive overreach," said Michael Petrilli, executive vice president at the Thomas B. Fordham Institute, a Washington-based think tank.
The five states approved for waivers Friday were among 26 states that submitted requests for flexibility in February. The Education Department announced waivers for eight of those states in May. Another 13 are still under review. Waivers for the first 11 were granted in February.
In Arkansas, schools will continue to be assessed annually on student performance in math and reading, but now also on achievement growth and high school graduation rates.
"We are not turning our back on accountability," Tom Kimbrell, the state's education commissioner, said in a statement. "With our new system of accountability, support and intervention, we will focus on specifics problems unique to each public school in Arkansas."
Some concern has arisen over whether accountability for the performance of struggling students will be weakened through the waiver process. Rather than evaluating schools based on the performance of each group of students, some states have proposed combining multiple groups.
"The real fear with those super subgroups is we could return to a place where the performance of some groups of students masks the challenges that other groups of students are experiencing," said Daria Hall, director of K-12 policy development for The Education Trust.
She said the plans for many of the first states granted waivers are vague in ensuring safeguards are in place in case any one group of students falls behind.
"That's not going to say nothing is going to happen for these kids," Hall said. "But I think it's critically important that advocates and families keep states' feet to the fire and make sure they are living up to their commitment to all schools and all students and not focusing only on those schools that are considered focus or priority."
In a call with reporters Friday, Duncan said the waivers will result in more students being counted in state accountability plans. In Arkansas, for example, he said hundreds of additional schools will be held accountable for the achievement of students with disabilities, English-language learners or from low-income families.
Currently, some schools have escaped counting these students if only a small number are enrolled.
"These were again students that were invisible under No Child Left Behind," Duncan said. "We think this is a huge step in the right direction."
Christine Armario on Twitter at https://www.twitter.com/cearmario
Copyright 2012 The Associated Press.
(AP Photo/Jacquelyn Martin, File)


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Shearman & Sterling represented The Bank of Nova Scotia in connection with its registered offering of $750 million aggregate principal amount of its existing senior floating rate notes due 2023 (Bail-inable notes).
The Bank of Nova Scotia is Canada's international bank and a leading financial services provider in the Americas, offering a broad range of advice, products and services to its approximately 25 million customers around the world.
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subset: commoncrawl


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Judging by the media reports on the Extraordinary Synod to be held in Rome this October, the bishops present will be mainly concerned with issues such as the admission to the Eucharist of divorced and remarried persons, the speeding up of annulment processes, and the possible revision of the Church's teaching on contraception. Implicit in most of the reports is the view that a liberalization or "relaxation" of the Church's present discipline in these matters could help to ameliorate the pastoral problem or concern that the Synod is called to examine. What could be said about this view?
First, it must be remembered that the Synod is on the Family, not on Marriage. Certainly the health of the family depends on the health of marriage; hence the two questions are intimately connected. Yet, if the topics so highlighted by the media are discussed, then it should be in the light of their relevance to the health of the family itself.
From this latter point of view, divorce, annulments, and contraception certainly have their impact on the quality of family life. But surely it is a negative impact, not a positive one? Hence, proposals to make them more "available" or more "acceptable" would seem to run clear counter to the presumed purpose of the Synod.
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What in fact is this purpose? Why has the Synod been convoked? The recent Instrumentum Laboris expresses it in its opening paragraph: "to bring about a new springtime for the family." While this is suggestive (implying also that the family is going through a winter), it is not too concrete. Let us go directly then to Pope Francis himself, who can certainly tell us what is central in his concerns about the family and, therefore, what he wants the Synod to discuss.
The media might have taken more notice of a letter of his of February 2, 2014, the Feast of the Presentation, addressed directly to Christian families themselves. There, along with requesting prayers for the Synod, he expresses his mind about the role of the family, and the dangers that threaten it today, in a very condensed but beautiful manner.
It is certainly no accident that Francis chose to date this brief letter on February 2. On the contrary, the Pope uses the Gospel of the feast to show how the family can make generations more united, overcome individual self-centeredness, and bring joy to itself and the world. He first dwells on how the presentation of Jesus brings together two old people, Simeon and Anna, and two young people, Mary and Joseph. "It is a beautiful image: two young parents and two elderly people, brought together by Jesus. He is the one who brings together and unites generations!" And then, "He is the inexhaustible font of that love which overcomes every occasion of self‑absorption, solitude, and sadness. In your journey as a family, you share so many beautiful moments: meals, rest, housework, leisure, prayer, trips and pilgrimages, and times of mutual support … Nevertheless, if there is no love, then there is no joy, and authentic love comes to us from Jesus.…"
This is very positive. It presents an ideal. But it also communicates the underlying concerns of the Pope regarding the family, and the recommendations regarding them that he hopes to receive from the synodal debates. To understand this, it should be enough to ask ourselves a few questions.
Are Christian families today united in themselves, and with others? Do they help their members out of self-absorption? Do they give an example to those around them of generous and dedicated love? There is the ideal of the Christian family; there is the role it is meant to play in the new evangelization of the world. And, yet, it seems that a great majority of Christian families today do not sense the greatness of their ideal, and do not know how to live it, or are not motivated enough to engage in their privileged evangelizing role. If so, then this must surely suggest the main topics that the Synod of this year, and that of 2015, should address.
The Lost Concept of "Family"
My almost 60 years as a priest have been particularly involved in the consideration of marriage and the family from many points of view: theological, moral, juridical, and pastoral. While not pessimistic by nature, I must say that we are blinking at reality if we do not face up to the fact that since the 1950s, marriage and the family, outside and inside the Church, have been plunged into an ever-growing crisis—to the extent that their nature, and very existence, are threatened by total collapse.
If I had to sum up the causes of this crisis in one factor, it would be this: marriage is no longer approached as a family enterprise. It has become basically a "you-and-me" affair. It is essentially a (tentative) commitment of two persons, one to the other; and no longer a total commitment of love, where a sexual love-union is expected to lead to, and be cemented by, the children that this union should naturally give rise to. In this secular view (which has become so widespread in the Church), marriage is basically an à deux arrangement, while a family is a possible annex that can be added later on, if convenient. Children, instead of being the natural fruit of married love, and the glue that holds it together in times of stress, are reduced to the category of minor accessories to the personal happiness of each of two fundamentally separate people, hence dispensable (like the marriage itself), if they no longer serve each individual's happiness. Under such a view, marriages open-to-divorce, or simple cohabitation, become valid and even preferable options.
What is needed is a more natural, noble, and generous response to the family ideal that should inspire every healthy decision to marry. What we have instead, and it has been growing powerfully over the past 50 years, is a calculated individualistic approach to marriage and the family. Such an approach can only increase solitude and sadness, never overcome them.
Pre-marriage Instruction
To me, perhaps the most important issue to be addressed by the Synod is the need for pre-marriage instruction, inspired by sound anthropological (and not just theological) arguments, that draw out the positive, if challenging, nature of the commitment to marriage and the family. I say this because, in my experience, premarital instruction is often seriously deficient in its presentation of the power and appeal of Christian marriage; and this on both the supernatural and human levels.
The supernatural aspect: marriage must be presented as a genuine, God-given vocation to holiness, dwelling equally on the specific graces that, as a sacrament, it continually offers for the joyful and faithful fulfillment of this divine calling and mission.
The human aspect: bringing out, in-depth, the marvelously positive anthropological teachings of Vatican II, which present marriage as a covenant of love, highlighting marital consent as a mutual self-gift, and seeing children as both the natural outcome of that love, and the guarantee of its continuance in the future.
Both aspects need to be developed in any proper catechesis. But the second, if presented in all its human power, should come first. Only if fully expounded and personally absorbed can it counter, and gradually overcome, the pervading modern mindset which considers any binding choice to be alienating, and a threat to one's freedom, and regards marrying and having a family as a fool's choice, when all one needs is sex—which can be had free, just provided that it is made "safe."
The personalism of Vatican II, firmly grounded in the Gospel, and with its human logic and appealing challenge, offers the jolting but only true answer to this dead-end individualism. Self-centeredness is the great enemy of happiness and salvation ("whoever seeks his life will lose it"). We all need to be drawn out of isolating self-protectiveness ("it is not good for man to be alone …"). People's hearts are made for love, not for selfishness. They need to be reminded that selfishness leaves the heart cold, empty, and alone; only love can fill and expand it. We need love that is true, love that admires, and wants to respect and give. For true love wants to give, as well as to possess. Without giving one's self, one cannot experience true love. We all need a self-gift that is for something worthwhile as well as total (if the gift is not total, then it is, at most, a loan). For the vast majority of persons, marriage is meant to be precisely such a gift: freely, totally, and unconditionally made. Those who baulk at such a self-gift will remain progressively more and more trapped in their own isolation and solitude.
Then children can be seen as what they are meant to be—"the supreme gift of marriage" (GS 50), a gift that comes from God, and binds the spouses more strongly together in the noblest aspect of their common enterprise. Children are what make each married couple uniquely rich. Other people may have a better job or house or car; only they can have their children.
Divorce, Nullity
Divorce, ungrounded petitions of nullity, and contraception, have never favored happiness; certainly not that of the children, but not that of the spouses either. These are anthropological, not theological, truths. Divorce is always a collapse of a dream, a failure. It destroys the family. Those who most suffer from it are the children. Hence, anything that might make divorce seem an acceptable option (and not, as it almost always is, a major reneging on freely accepted responsibilities) is anti-family.
Declarations of nullity, if they are truly based on the facts, are a matter of justice to the parties; but, if there are children, they also mark the breakup of a family. If the necessary process for deciding a petition of nullity can be quickened without detriment to truth and justice, I am all in favor. But the anti-family aspect of the matter remains.
As a former judge of the Rota, I do think that matrimonial processes can be simplified and, thus, speeded up—but marginally. To address that question however is not to address the problems facing the family. Besides, if "speeding up" were to be at the cost of truth, we would have done harm to people's fundamental trust in the Church, as well as to the whole institution of marriage.
A further marginal, but important, observation on this point: For more than 50 years, our tribunals have been treating nullity cases almost exclusively on the grounds of consensual incapacity (c. 1095). I do not believe that the great majority of those marrying today are incapable of giving valid consent. I believe that they are quite capable; but many do not give it—not because of incapacity, but because of exclusion of one of the essential properties of matrimonial consent (the indissolubility of the bond, for instance). That is not incapacity, but simulation (c. 1101).
To my mind, the main cause of greatly increased marital breakdowns, and the consequent breakup of families, has been the lost sense of the sacredness of human sexuality, and of how the meaning and dignity of the sexual relationship must be respected both before, and in, marriage. Once contraception within marriage began to be presented as legitimate (in a generalized form from the 1960s on), it was inevitable that we reach the present situation where the one and only rule about sex is that it be "safe."
Elsewhere (avoiding any appeal to theology) I have tried to elucidate the purely natural reasons why contraception is incompatible with, and destructive of, any genuine expression of married love.
Natural Family Planning has come to occupy a disproportionate place in premarital instruction. Well-formed Christian couples, with a proper understanding of the greatness of their married mission, will always see it, in the context of "the proper generosity of responsible parenthood" (cf. CCC 2368), as a privation which sufficient reasons may indeed impose on them; but still remains a privation for them and especially for their existing children. How they need to be reminded of that incisive observation of John Paul II early in his pontificate: "it is certainly less serious (for a couple) to deny their children certain comforts, or material advantages, than to deprive them of the presence of brothers and sisters, who could help them to grow in humanity, and to realize the beauty of life at all its ages, and in all its variety."
NFP, if not adopted for serious reasons, introduces that element of calculation into married life, which in turn makes the fostering of generous ideals among the children more difficult. Generous parents make for generous children; calculating parents, for calculating children. Generous parents rear generous children. Calculating parents, smaller-hearted children. The great decline in vocations to the priesthood, etc., over the past 50 years surely finds part of its explanation right here.
Only proper instruction can free our young people preparing for marriage from the pervading anti-family mindset of the world in which they are immersed. The Christian ideal has always appeared as "counter-cultural." It is no longer just unborn children, but the family itself, the first school of humanity, which is threatened by the culture of death, to which John Paul II so strove to alert us, calling Christians to oppose it with a vigorous culture of life. "Life to humanity," "Life to the family," these are the rallying cries that Christian couples (and the world through them) need to be inspired by, and to incarnate in, their married lives.
Little sense of marriage as a God-given call and mission; self-defeating fear of commitment; children seen as "optional extras," to be rationed or simply avoided; the family regarded as a demanding burden, and not as a fulfilling privilege. All of this is becoming the prevalent outlook of modern western society. And it powerfully affects married Christians, or those preparing for marriage. There are really major issues facing the Synod.
Editor's note: This essay first appeared August 25, 2014 in Homiletic and Pastoral Review and is reprinted with permission. Footnotes are in the original article. (Photo credit: Courtesy of Shutterstock.)


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More Robots On the Fly
Before drones take off, we might want to think about our future.
When you see an airplane zipping through the sky, or notice a traffic helicopter hovering over the freeway, you probably don't ask yourself, "Is there a person flying that thing?" Give it a few years. Soon you'll be wondering whether those aircraft are actually flown by human beings in a cockpit, or piloted by some remote controller at a computer terminal miles away.
Under a law that President Obama signed in February, the Federal Aviation Administration must begin plans for incorporating unmanned aerial vehicles, better known as drones, into national airspace. The hard deadline is September 2015, but as soon as this year, some groups, such as emergency responders, could start flying drones.
Until now, military and national intelligence agencies have had the most experience with remotely piloted aircraft, primarily on overseas missions. But as domestic airspace opens up, many more civilian agencies will find unmanned aircraft are ideally suited for their missions as well.
The Agriculture Department probably will turn to drones to monitor crops and livestock. The Forest Service might use the planes for spotting fires and relaying their location to ground crews. The Homeland Security Department already is testing drones for border surveillance. It's a lot cheaper to put a fleet of robot airplanes over the border with Mexico than to deploy human patrols on the ground. It's also a lot safer.
An FAA official recently told me there are so many models of drones—and more are expected in the future—that the field "almost defies categorization." Some take off and land like a typical airplane. Others are launched by hand. Some land by dropping to the ground. A few are caught in nets. FAA's challenge to license and regulate all those different vehicles may seem overwhelming, but consider what's at stake. Not only do drones promise efficiencies and cost-savings for federal agencies, but the opening of U.S. airspace will create
a whole new market of commercial drones. The FAA official said it wasn't unrealistic to imagine FedEx or UPS replacing some of their piloted cargo planes with drones in the near future.
But as soon as these planes take to the skies, court challenges almost certainly will follow. Federal law enforcement agencies will have to pay particular attention here. For instance, wide-area surveillance from high-altitude craft offers an extraordinary capability to monitor people. But is it legal? A recent U.S. Supreme Court decision that police must obtain a warrant to place a GPS tracking device on a suspect's car might not apply to drones watching people as they walk down the street. The law isn't settled on this question.
And beyond the legal quandaries, there are moral and ethical considerations as well. In the years to come, drones will have to become more autonomous to meet humans' expectations. A pilot can control only so many drones at a time, and the more missions these craft are called on to perform, the more they'll have to operate on their own. Are we really prepared to have planes overhead that are increasingly beyond our control?
Rather than answer these profound questions, legislators and policymakers
have opted first to get the drones in the air. There's an understandable urge to take advantage of everything that unmanned technology has to offer. But people would do well to consider how the drones could change our world while they are still on the ground.
Shane Harris, a former staff writer at Government Executive, is the author of The Watchers: The Rise of America's Surveillance State.
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Founders Releases All Day IPA Session Ale
Founders is adding another hoppy pale to their portfolio, All Day IPA Session Ale to the mix. It's nice to see the larger craft brewers lead the way with the fullest of flavors without the alcohol bite. Here is the official press, Cheers!
Grand Rapids, Michigan, January 6, 2012—Founders Brewing Co.'s Co-Founder and Vice President of Marketing, Dave Engbers, announced today that All Day IPA would be the next addition to the brewery's year-round lineup, with availability limited to Michigan, Ohio, North Carolina, and the greater Chicago area beginning on February 6, 2012.
All Day IPA is a session ale that has the traditional qualities of an India Pale Ale with significantly lower alcohol. At 4.7% ABV, the beer is highly drinkable, but maintains the intense tropical aromatics and complex flavors consistent with Founders' portfolio.
This beer was in development for nearly three years before the brewery perfected it. Then, the All Day IPA recipe won the silver medal at the 2010 Great American Beer Festival. Due to capacity constraints and multiple expansions, Founders Brewing Company now feels they are prepared to launch their first year-round product since 2006. Limited distribution is due to the soft hop harvest. "We will never compromise a recipe in order to increase sales," explains Engbers.
"It's the beer that almost wasn't," says Co-Founder, President & CEO Mike Stevens. "It's tough to brew and gave us more than one problem throughout its development. But then we realized that this is the beer we'd all been waiting for."
Engbers adds, "We pride ourselves on only putting beers in bottles that we would pick out on the shelves ourselves—and we're picky beer drinkers…it would be just wrong not to be bottle All Day IPA."
The last beer that Founders added to its year-round six-pack and draft lineup was Red's Rye PA in 2006.
Founders Brewing Company opened their doors in 1997 with the vision of creating some of the most unique craft beer in the world. Today, Founders has a loyal following, with several beers lauded nationally and internationally as award winners in their respective categories. They are currently rated the second highest brewery in the world by ratebeer.com.
Founders Brewing Company, 235 Grandville Avenue SW in downtown Grand Rapids, is a proud member of the Michigan Brewers Guild and the Brewers Association.


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Reflex sympathetic dystrophy is a syndrome that may develop when the body has been injured. This injury can result from a motor vehicle accident, a gunshot wound, an accident around the house or even after surgery. Any sort of wound can result in reflex sympathetic dystrophy. Normally, the nerve signals pain when the body is injured. This causes a reflex, which makes the body pull away from the painful stimulus. The blood vessels will then protect the body by constricting to reduce blood loss. In patients without reflex sympathetic dystrophy, these responses gradually disappear, blood vessels open up, the fear and suffering decreases and the body takes appropriate actions to heal the wound. In patients with reflex sympathetic dystrophy, however, the body never gets quite back to normal. The nerves stay hyperactive causing increased pain because of continual blood vessel spasms. This tightening of the blood vessels causes swelling of the limb, discoloration and increased pain. This pain from the reduced blood flow keeps the nerves excited, which then keeps the blood vessels tight and continues in a cycle. Increased pain and reduced blood flow are the hallmark of this disorder.
The patient will note hypersensitivity. Patients with reflex sympathetic dystrophy do not like the limb being touched at all and will seek to protect it from even casual encounters or the wind. The slightest touch can be interpreted as pain. The doctor will note objective changes in the limb such as discoloration and increased sweating. The limb will feel two degrees cooler, the pain will increase in cold weather, and there may be alterations in the appearance of the hair on the limb. In addition, the skin becomes shiny, the bones lose their calcium and nail growth may change in appearance. X-rays and bone scans can help demonstrate reduction in blood flow and reduction of calcium in the bones. Overall, the limb may appear to be wasting away. This wasting is called dystrophy and develops as a consequence of low blood flow. In late stages of RSD, the hand or foot becomes withered and nonfunctional, virtually a useless appendage.
Reflex sympathetic dystrophy is divided into three stages. Stage one is the least severe and three is the most severe. Depending on the stage, the treatment will vary.
Stage One:
There may be some slight swelling, hypersensitivity and occasional discoloration following an injury. The skin will appear normal and there will be a minimal loss of calcium from the bones. Patients in this stage are very treatable with a combination of medications, injections and physical therapy. Neurontin is the medication of choice given to decrease activity in the overactive nerves. Other medications may be used as well to help open the blood vessels. Physical therapy is important to keep the limb from wasting away and also to decrease the sensitivity in the limb. A skilled physical therapist can design a program to help the limb recover. It is important that the nervous system returns to normal. This can be done with a sequence of nerve blocks that can help treat the underlying condition by interrupting the reflex arc of pain in the nervous system. The nerves are temporarily put to sleep with a local anesthetic causing them to forget the memory of the injury. Usually nerve blocks are given as a sequence of 3 to 10 injections.
Stage Two:
Significant wasting of the limb occurs. Calcium is very low in the bones, the skin is shiny and the blood vessels are in significant spasm all the time. Surgery becomes an option to permanently interrupt the nerves so the blood vessels can open and nourish the limb. The nerves can also be injected with drugs to permanently disrupt their function. Another alternative is the placement of a spinal stimulating device. This can interrupt the nerves without destroying them and help reverse the changes of stage two sympathetic dystrophy. In addition, another alternative is the placement of a morphine or local anesthetic pump for temporary or permanent use in order to decrease activity in the nerves.
Stage Three:
The tendons and muscles have wasted away and the limb cannot be used at all. The bones are virtually de-mineralized and the skin is very shinny. Unfortunately, in stage three, there is no treatment. Cutting the nerves or treating the patient with spinal narcotic infusion or with spinal stimulation will not cause the limb to regenerate. Fortunately, in this day and age, with the development of advanced pain management centers, few patients progress to stage three.


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Ten Frighteningly Cool Halloween Gadgets
Remember the good old days when Halloween meant trick-or-treating and bobbing for apples? Well, technology has made All Hallow's Eve a whole lot scarier. From advanced video displays to motion-sensing devices, these Halloween-themed gadgets will turn your home into a truly terrifying house of horrors. Her


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What Is Kaiser Long Term Health Care?
Kaiser Long Term Health is a Medical Insurance that aims to give you a financial support for your health when you get old.
Disclaimer: I am a member of IMG (International Marketing Group), accredited broker of Kaiser, and I earn for every policy that we can close. We consider Long Term Health Care as level 1 of Financial Freedom and Financial Peace. You are suggested to ask question through this blog so that I can increase the Q&A Part of this post.
General Notes
1.) Kaiser's Long Term Plan Health Care program is focused on four key areas:
- Healthcare Program
- Healthcare Savings
- Insurance Benefit
- Emergency Fund
2.) Non Phil health Member should pay the Phil health coverage payment before using Kaiser. So it is necessary to be a Phil health Member.
3.) Lifetime Network access to over 500 hospitals and over 1,000 doctors as long as you have funds. ( Accredited Partners )
4.) A total of Php 2,500 is required as Policy Fee but can be paid on a yearly basis of 500 per year.
5.) Payment can be made on 5 options.
- Monthly
- Semi Annually
- Quarterly
- Annually
- Spot Cash
6.) Kaiser Long Term Health Care is a combination of Health Insurance, Term life, Investment, Low Monthly cost, Cash Value Guaranteed, Death Benefit and More.
Updates : Low Monthly cost shall mean that monthly payment for policy is low compared to others..
Additional Info : Cash Value can only be guaranteed if the plan holder didn't utilize the plan and returns in the extended period were all 10%, if the return/s within extended period dropped to 7%(minimum) the cash value will also be adjusted.
7.) Plan will be lapsed for non-payments, 60 days after due date (grace period). With 2 years allowance for policy reinstatement due to plan lapsed.
More on grace period: Let's say you're paying monthly and your due is on May 10, your next due date is June 10. If you were not able to pay on June 10 it will lapse after July 10. From May 10 to July 10 that is what we mean by 60 days.
8.) The policy is for individual use only.However a family assistance is possible upon approval.Family assistance is not included in the contract.
9.) Long Term Health Care is only applicable from 10 Years Old – up to 60 Years Old. Suggested Plans as follows:
- Ages 10 – 40 is K45 as minimum
- Ages 41 – 50 is K60 as minimum
- Ages 51 – 60 is K75 as minimum
Accumulation Period
1.) This is the time were you are paying your policy. It can also be referred as the paying period. It has a total of 7 years.
2.) This is also the period were you are covered with a fixed amount of Annual benefit limit. As an example if you choose a K60 plan, it means that you have a 60,000 Annual benefit Limit, if you choose K100, then you could have a 100,000 annual benefit limit.
3.) If the planholder dies w/in Accumulation Period, his/her principal beneficiary named in the contract shall be substituted as the new member but with no longer insurance benefit.
4.) Pre Existing Illness- Planholder shall not be covered during accumulation period. However, all pre-existing illnesses are covered during the extended period, long-term care period and extended benefit balance period which can be charged to the annual health benefits, total health benefits and annual lifetime healthcare benefits respectively. (Pre Existing Illness)
5.) Members can enjoy the Medical and Dental Benefits with no effect to Your Long Term Health Care Bonus. (Medical and Health Benefits)
6.) Should there be no claim made during this period, members will avail the Long Term Care Benefits at the end of 20th year.
7.) Members is covered with Term Life Insurance during this period.
8.) The room and board benefit is covered only during the Accumulation period. During the Extended period your room and board will be charged to your unused Yearly Health Benefits.
Extended Period
1.) Extended period starts at the end of the 7th year
2.) This is when the 10% of your plan is given on a yearly basis as your benefit limit and is rolled over with an interest ranging from 7% (Minimum) to 10% (Maximum). As an example if you have K50, therefore 10% of 50,000 is 5,000. The policy holder will be given a 5,000 Annual Benefit limit which could be claim thru reimbursement.
3.) Unused yearly health benefits is being accumulated if it is not used.
4.) If the planholder dies w/in Extended Period, the contract shall be considered terminated and his/her beneficiary named in the contract shall be entitled to the corresponding cash value.
5.) Members is covered with Term Life Insurance during this period.
Long Term Care Period
1.) Members will be given a Visa Card that he can use for anyone, anywhere and anything.
2.) Long Term care period starts at the end of 20th Year
3.) Long Term Care bonus maybe acquired if there is no claim maid during the accumulation period. The total amount can be withdrawn or added
4.) Members enjoy his investments during the Accumulation period.
My Take:
1.) This is really good for OFW specially to those OFW in countries where medical benefits is covered. The payment to be paid will serve as an investment in preparation for the future, especially when we get old.
2.) OFW will normally not be able to use this in the accumulation period since they are abroad. But what happen when the OFW is now 65 years or retiring age? Then this will help them to cope up with the high cost health care.
Q: Is Kaiser a Scam?
A. Kaiser is definitely not a scam and therefore regulated by the government.
Quoting Kaiser Website :
"The Healthcare Industry is a highly regulated industry. Before any company can be licensed it has to fully comply with all the government requirements to make sure it is fully secured and can deliver its benefits to its clients. It is regularly monitored by the regulatory government agencies. Our Kaiser Health plans are designed by a Licensed Actuary not only to ensure compliance with established government regulations but also to make sure that our products are financially sound and stable. Kaiser is one of the top most healthcare company in the Healthcare Industry in terms of capitalization and market share. Kaiser is fully compliant with the regulatory requirements. On top of this, Kaiser's cornerstone of success resides in the skill and experience of its corporate management, and its business partners. Kaiser draws great strength from a leadership team which thoroughly understands the company industry and operating environment. It possesses close, long-term relationships with its members and partners throughout the country. With Kaiser's strong financial stability, our clients are highly secured.• Kaiser deals with top notch and highly qualified licensed financial managers. We consider them as partners and work very closely with them. The managers themselves are also governed by government regulations. In addition, we deal with some of the country's best universal banks."
Frequently asked question from their website:
Frequently Asked Questions from Kaiser Website
Question No. 1
It's the first time I've heard about Kaiser. What is it?
Kaiser International Healthgroup Inc. is accredited by the department of Health as an HMO. It is registered with the Securities and Exchange Commission as a health care provider and broker for other health care companies.
Question No. 2
Who are the persons behind Kaiser?
Kaiser's Board of Directors is seasoned experts in the Medical field services and the health care Industry. Headed by its President and CEO Dr. Ramon B. Abragan, Jr..
Question No. 3
What is the financial viability of Kaiser?
Kaiser is registered with SEC and has an authorized capitalization of Php 160M. It has fully complied with all the SEC regulations. It is also approved by Department of Health to operate as an HMO. The Investment and funds are managed by the top leading financial Institutions in the Industry.
Question No. 4
I have just bought a Kaiser 35,000 plan and would want to have a bigger coverage. Can I upgrade or buy another plan?
Yes, a plan holder or member may upgrade his plan within 30 days from the member's effectivity date. The member may buy another plan only upon full payment of his policy which is on the 6th year.
Question No. 5
I have just bought a Kaiser-100,000 plan. Can I now avail of the Annual Physical and Dental Examination?
The member can avail of these two outpatient benefits after paying fully paying the first year's premium. E.g. If his mode of payment is annual, then he can avail immediately after receiving his member's kit containing his ID, benefit and dental card, provider directory, guide book and your schedule of benefits with the contract provisions.
Question No. 6
I have a Kaiser-55,000 plan which I'd like to transfer to my daughter coz I'm migrating to the U.SA. How do I go about transferring it?
The member shall be required to sign an amendment form and the daughter signs a new application for membership form and submit it to his IMG representative/offices or to Kaiser office located respectively at the 3rd and ground floor of King's Court I Building along 2129 Chino Roces Avenue in Makati City.
Question No. 7
Do I need to use Kaiser's network of providers?
Yes. You must stay within the network at least during the accumulation or Paying Period. However, on the 6th year onwards, you can avail of your medical needs using your own set of providers and then file for reimbursement within your allowable health benefit.
Question No. 8
If a member dies, is his K100, 000 plan transferable to any of his beneficiaries? How much will his beneficiary get?
If the plan has approved term insurance coverage, the plan is transferable to the primary beneficiary. Kaiser shall pay the principal amount of the term insurance equivalent to the member's long-term care benefit Php 100,000. If the cause of death is an accident, another Php 100,000 shall be paid.
Question No. 9
Why should I buy a Kaiser health care plan when my family and I are now covered by my husband's employer healthcare plan?
Your family coverage with the employer's healthcare plan is given to your husband as part of his employee benefit and continues to be available as your husband is employed with the company. However, by the time your husband resigns or retires from the company, this companies healthcare plan benefit stops!
Q: How sure am I that I can get the benefits during the years as promised?
There is no such thing as RISK FREE investment, we take risk in order for us to gain. I cannot promise that the company will still be there after we became old, but one thing is for sure. I am also a member of Kaiser and I believe that the company can fulfill in his promise. And if I will not get this kind of investment, I am sure that I will have problem when I get old. So better take the risk of paying for my long term health care than a sure looser when I get old. It is up to you to decide.
Kaiser is one of my diversified investment.
Q: When and how can I apply for a "rider"?
Rider can be purchased only within two (2) years upon the effectively of your plan. KAISER have a separate application form for this and could also be paid in SPOT CASH or within FIVE YEAR PERIOD.
Q: Can my family get a hospitalization discount using my membership?
Please note that each plan is solely for the use of the planholder, therefore availment of the benefits cannot be used by your beneficiaries. However, Kaiser have an added service which they call Family Assistance Service where your family member within the 1st degree of consanguinity can use your membership and avail of the rates which is being accorded to us by our hospital providers.
Please note that this service does not form part of the contract. This is an added service only hence, approval &/or denial of the use of this service lies solely on Kaiser's discretion.
Family Assistance Service
1. Policy should be in ACTIVE status and plan should have completed at least one (1) year of payment. Planholder to seek Kaiser Approval for its availment.
2. Nominated patient must be an immediate family member of the Policy holder or within the 1st degree of consanguinity.
3. Policy holder should agree to avail only of the services of Kaiser's accredited Doctors and affiliated network of hospitals.
4. Assistance to be provided by Kaiser shall only be to the extent of the allowable benefits due to the planholder under his policy.
5. Prior to discharge of the nominated patient, payment should have been settled with Kaiser.
6. If Planholder requested or opted to pay on a "term basis" – Payment Scheme is on a case to case basis and subject to Kaiser approval.
Q. What if I migrated to other country such as Canada? Can I still use my Kaiser?
Once the plan matures, you will be given with a VISA Card, where you being given a credit line equivalent to your Long Term Health Care Benefits. Technically you CAN USE IT FOR ANYONE, ANYWHERE AND ANYTHING
Q. Can I take the Value of Long Term Health Care after 30 years? If there will still be funds in my account?
Q. If the members died after 30 years upon payment then there ar still funds in the Long term health care, can the beneficiary get the accumulated amount?
Q. Where can we get the ID and the Policy?
There are different offices all over the world. Since we are in KSA, whenever there are members that joins through us, we will facilitate the delivery of the policy in KSA. For other countries please contact us.
Useful Website:
Pinoy Investment Guide Blog – http://www.pinoyinvestmentguide.com/
IMG Website – http://img-corp.com/
Kaiser Website – http://www.kaiserhealthgroup.com/
Should You Have Any Question, Please Contact US and we would be happy to respond. You may also use the comment section below. You may also use the form below to ask for quotations Be sure to Confirm your subscription.


text:
BERLIN- With a new coach at the helm, Worcester Prep's girls' varsity lacrosse team is spending much of its time getting to know each other as it prepares for the 2008 campaign.
New Head Coach Yetive Delaney takes over this year at Worcester, replacing long-time coach Carol Hartnett as the leader of the Mallards women's varsity lacrosse program. Delaney is a fairly recent transplant to the area after teaching and coaching at the Key School in Annapolis for several years. She played at Salisbury University and later played club lacrosse in Baltimore. Most recently, she coached in the Beach Lacrosse program before taking over the head coaching job at Worcester Prep.
Delaney said this week her new team is bottom heavy with underclassmen with just seven seniors, a handful of juniors and huge class of sophomores. Nonetheless, she has liked what she has seen thus far during early practices.
"I really like what we've seen from all of the players out there," she said. "I like their athleticism and their knowledge of the game. Many of them having been playing together on Beach Lacrosse teams and here at Worcester on the middle school and junior varsity teams, so they're pretty advanced in terms of being fairly young."
With a new head coach and a couple of assistant coaches from Salisbury University, the first few weeks of practice have been as much of a meet-and-greet as a lacrosse workout. Delaney and her coaches are spending a lot of time getting to know the players and their strengths and weaknesses on the field.
"We're just getting to know each other thus far," she said. "The coaches and I are getting to know the players, and the players are getting to know us and their teammates."
However, this season should be more about reloading and continuing a strong tradition in girls' lacrosse at the Berlin prep school than rebuilding. Despite the short numbers of seniors and juniors, the Mallards should remain as competitive as always and will likely challenge for the Eastern Shore Independent Athletic Conference (ESIAC) title.
Delaney has put together an impressive schedule that includes the usual suspects in the ESIAC such as Salisbury School, Delmarva Christian and Gunston. The Mallards will also play old familiar rivals Saints Peter and Paul and Cape Henlopen as well as a handful of tough public school teams including cross-town rival Stephen Decatur, Parkside, Bennett and Kent County.
Worcester will also play always tough St. Andrews of Delaware as well as the Bullis School of Potomac and Wilde Lake of Columbia. The Mallards open the regular season on March 25 against Kent County.
"We're playing a different schedule from the last couple of years," said Delaney. "There are some very tough teams on the schedule, but it will be a great learning experience for our young players."


text:
Ming Inn
The Ming Inn is a business on Mohawk Ave in Rotterdam Hill, Broker, Liberty City. The club is owned by Zhou Ming. It is one of the destinations for Taxi Driver in Grand Theft Auto: Chinatown Wars.
The name of the inn is possibly a play on the word minging, meaning ugly and distasteful.


text:
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Be the first to review this product! You'll be the talk of the town.


text:
Snakeroot (Nightshade Legacy #1)
by Andrea Cremer
Release date: December 10th 2013
Publisher: Penguin
Fans asked for it, and now they've got it! Andrea Cremer is continuing the story she began in in her internationally bestselling trilogy: Nightshade, Wolfsbane and Bloodrose. In this new installment, Bosque Mar haunts the dreams of both Adne and Logan, trying to escape for the Nether, where Calla, Shay and the other Guardians trapped him in the final battle in the War of All Against All. Will he turn Adne to the dark side? Will Logan reclaim his birthright? And will darkness take over our world? In a novel filled with magic, romance and breakneck action, master storytelling Andrea Cremer's newest installment will not disappoint!
by Abbi Glines
Release date: December 5th 2013
Two completely different roads.
Each one standing before me.
Each one holding a different destiny.
In life you're just supposed to choose one path.
In life you're not given the chance at choosing one specific future.
Until now.
Until me.
Why am I different? I don't know. But I'm going to see those roads and walk down each one. When it's over I'll know which one to choose because I'll know my - options.
Why I'm Waiting
Its funny, fantasy is actually my favorite genre but I've been straying a bit lately with all these new adult contemporary books. I guess its the warm weather :) Anyways, coming this fall I antcipate drowning myself in the world of fantasy and I'd really like to get my hands on these two.
I haven't read the Nightshade series as yet but definitely going to and would really like to read the upcoming spinoff. As for Options, well, I'm intrigued, and loving that celestial cover. Though, Snakeroot has a rather theatric cover as well, don't you think :)


text: At the time of Ted Kuhl's arrest and trial, Harriet Ford was a reported for the Rockford Labor News. She is a veteran reporter and author and four times First Place Winner of both national and local writer's competitions. She is the author of Shadow in the Rain, a fictionalized account based on the Ted Kuhl murder case. She also has authored three young adult novels. Visit her website at www.deniedevidence.com.


text:
MARY D'ESTE and ALEISTER CROWLEY
[The Scene represents the waiting-room of DR. ROBERTS' house. Doors L., R., and C. Door L. leads to dining-room; door R. to entrance-hall; door C. to consulting-room. This is a wide double door, which when open shows the doctor's bureau, chairs, and other usual furniture." "Curtain may be used instead of door if more convenient."]
The waiting-room has a large table, with illustrated journals, &c. There are easy chairs, but no other furniture. On the table lie the hat and stick of a patient who is closeted with DR. BOB.
Time 2.30 p.m. A bright winter afternoon.
Enter the SERVANT, preceding DR. FIELDING, who is wearing his motor coat and cap.
The SERVANT goes through to Door L., and returns with" MRS. BOB, who goes to greet DR. FIELDING warmly, while the SERVANT goes out R. and closes door."]
MRS. B. How good of you to come so promptly!
Dr. F. I could never respond quickly enough to a call from you. I should have been here ten minutes earlier, but the Daimler doesn't like so much snow in the streets. {65}
MRS. B. How perfectly sweet of you!
Dr. F. I hope this is not professional; at least, I'm sure there's nothing the matter with you.
MRS. B. Heavens, no! I have health enough for six.
Dr. F. And there's nothing wrong with Dr. Bob?
MRS. B. Nothing serious; he has had a bit of a cough this month back.
Dr. F. Heaven help him if he has to make his own diagnosis --- you know we call him Doctor Doom'em!
MRS. B. It's just that I want to talk to you about.
Dr. F. You don't mean to say you mind?
MRS. B. Mind! It's driving me mad.
Dr. F. But he's the greatest consultant we have; nobody ever comes to him while there's a chance anywhere else.
MRS. B. Yes; but whatever other drug he gives them, he never gives them hope.
Dr. F. But they come for his opinion.
MRS. B. And don't want to know it.
Dr. F. Perhaps it would be better if they didn't.
MRS. B. That's it; that's what's driving me mad. I see them come there one after another, some cheerful, others desperate; some looking healthy, some looking half dead already; some hoping, some doubting; all fearing. But one and all go away hopeless, utterly hopeless. I could bear it better if his were not so great a name. But he's right --- he's always right. That's what's so terrible --- he's alway's right!
Dr. F. Come, come! Don't break down, Mrs. Bob!
MRS. B. Wouldn't it be better to let them go on blindly to the end?
Think of them watching and waiting! Think {66} of the drawn faces, and the ghastly stare into the eyes of Death! Think of their ears strained if perhaps they may hear his stealthy tread! Their tongues licking their parched lips --- oh, is there no hope? Then, at least, is there no mercy?
Dr. F. I should be inclined to deceive them nearly always. I'm sending him a girl this afternoon. Hang it! I must have his opinion, and yet I hesitated --- long --- over the wisdom of the course I was taking. She hasn't any idea of how seriously ill she is; the shock might kill her. I begged him in my note to spare her the full knowledge.
MRS. B. Poor child!
Dr. F. Well, if he says there's no hope...... You know her, I think --- Jane Skiring?
MRS. B. The little school teacher. Oh! I'd no idea she was so ill. I "am" sorry.
[The consulting-room door opens, and an elderly man, whose hat and stick are on the table, comes out. His face is drawn and his eyes haggard. He takes no notice of the people present, or of his hat and stick, but goes straight out, R. The banging of a door is heard. Enter the" Servant, running; picks up the hat and stick, and runs out after him. Dr. Fielding and Mrs. Bob "exchange glances significant of shocked pain.
The consulting-room doors being now wide open, the audience can see" Dr. Bob "sitting at his bureau. He rises, and comes down stage, heartily, cheerfully, masterfully.]
Dr. B. Hullo, Fielding! Glad to see you. Just got your note before lunch; I'll find out for sure what's up. Pretty girl --- pity! See that old boy just went out? A typical Brightic; fellow who devilled his own kidneys. Ha! ha! ha {67} I wonder if he'll see that Christmas turkey --- ha! ha! ha! Hullo, dear! Didn't see you, little white mouse! Let's have coffee, dear, and the brown brandy. No more patients for a bit. Come along, Fielding, eh?
[He leads FIELDING to the consulting-room, while MRS. BOB goes out L.]
Dr. F. This is an exceptional case, old man. I do hope you won't frighten her.
Dr. B. Great God! always the same old story. They never come to me until the rest of you have finished them, and then it's my candid opinion you want. Then you get it, by Heaven! and instead of blaming yourselves, or the patient, or the disease, you blame me. Why don't you give me a chance? Why don't you bring them while there is hope? You all look upon me as the undertaker --- Doctor Doom'em, isn't it? --- because you are afraid to tell the patient what nine times out of ten you know as well as I do. Doctor Doom'em!
Dr. F. Now, old man, don't get excited.
Dr. B. Excited! Why my life would be one long hell if I hadn't chosen a very simple method. Tell the truth. I'm not a lawyer, paid to tell lies. Tell the truth. Then I've done my part; my conscience is clear; I eat hearty and sleep sound.
Dr. F. But is it always best to tell the truth? May you not sometimes overlook a grain of hope, and kill it by your diagnosis?
[Enter MRS. BOB with coffee.
MRS. B. I can't believe it is right to send away people smashed.
Dr. F. Yes; you're a hanging judge. {68}
Dr. B. I only record the effect of the verdict of the jury --- twelve good symptoms and true.
MRS. B. I can never forget seeing young Joe Whitney when he came from you. He had the face of a lost soul. And the next day the papers had the news that he had shot himself.
Dr. B. Well, what of that? He saved himself about four months of the most persistent and horrible torture that the mind of a devil could imagine......People wonder why doctors are nearly always Atheists!
MRS. B. Oh, Bob!
Dr. B. In his place I should have done as he did.
Dr. F. No, you wouldn't. You'd sit in a corner with your teeth clenched, waiting and watching and recording, killing each hope as it was born, yet wishing to God that you dared hope --- even though you knew it to be vain.
Dr. B. There's where you are wrong. What's the use of lying and cheating? I never saw any good come of it. You tell a man he may get well this year --- next year --- sometime --- never --- like a silly girl blowing a puff-ball. Pah!
MRS. B. If you only had sympathy, Bob dear, if you only had imagination! If you only could realize what these people really feel when you condemn them!
Dr. F. And hope is the best medicine; at least it helps the man to live out the little life that remains to him. An artist might finish his creation.
Dr. B. Oh, artists! Another set of liars!
Dr. F. A doctor will go on with his work better if his brain is not clouded with his own mortal fear.
Dr. B. Rot! if he's finished, he'd better finish. And besides, despair can often do more than hope. Put the {69} biggest coward in the world in a tight enough corner, and he'll show his teeth, and very likely win out. (He coughs.) By the way, have a look at this throat, will you? There's a little chronic irritation somewhere.
Dr. F. Why, of course. [The bell rings.
Dr. B. A patient, hang it all! I must leave you to talk to Nan. Send 'em along!
[He goes into consulting-room and closes the door.
MRS. B. He's set on this telling the truth.
Dr. F. Oh, it's wrong: I know it's wrong. There's always a chance in the most hopeless cases.
MRS. B. Can't we --- can't we make him see it?
Dr. F. But how?
[Enter SERVANT, showing in WILL STANLEY.
W.S. (surprised) How do you do, Dr. Fielding?
Dr. F. I didn't expect to see you here; I thought you were better months ago.
W.S. So I was --- in fact I am --- on the mother insisted on my seeing Dr. Bob. I guess he won't find much wrong with me!
MRS. B. Oh, you mustn't mind even if he does. Doctors live on people's fears.
Dr. F. (laughing) Oh, Mrs. Bob, come now!
W.S. They can't frighten me; but they do mother. She wants to coddle me all the time.
Dr. F. You're a No. 1 size pet.
W.S. Rather; I'm the strongest man in college. If this silly old heart hadn't started to play the goat.
[DR. BOB's bell rings. SERVANT enters, shows WILL STANLEY into consulting-room, closes doors, returns, and goes out.] {70}
Dr. F. Poor devil! I've known for months that it was all over with him.
MRS. B. Oh, how dreadful! He's not twenty yet.
Dr. F. He never will be.
MRS. B. In my mind I can see him coming out; I can feel and understand. Oh, why won't Bob let him take hope to his mother?
Dr. F. It's a shame. It's silly, useless cruelty. I'd like to punch Bob's head......oh! I beg your pardon, Mrs. Bob --- if he breaks down that fine boy's courage.
MRS. B. Oh, I quite agree with you.
Dr. F. Then I say that he'd be all the better for a dose of his own medicine.
[Silence. Then MRS BOB clasps her hands, gives a little laugh, and cries out.]
MRS. B. Oh, I've got such a good idea.
[The bell rings. Enter JANE, ushered by SERVANT.
Dr. F. Well, here you are, Jane. How splendid you're looking to-day. Fit as fit, eh?
JANE. It's this weather. I do love the snow. I'm as happy as happy; every fibre of my being quivers with joy. How do you do, Mrs. Roberts?
MRS. B. I'm so glad to see you. I'm so sorry to see you.
JANE. Oh, it's nothing. Dr. Fielding tells me it's sure to be all right. Dr. Bob --- oh, I mean Dr. Roberts --- will say the very worst he can, and then we've got to hope for the best.
Dr. F. Yes. I always get his opinion; and then we're sure to err on the safe side. Eh?
MRS. B. Yes; but he's so anxious to make people take proper care, and follow his instructions absolutely. {71}
JANE. Yes, of course. I know I've been careless.
Dr. F. Yes, yes. A bit of a fight is the very thing to do one good.
[Enter Will Stanley, his hair dishevelled, a wild look in his eyes. He does not see Mrs. Bob and Jane, who are up L. at back of stage, but addresses Dr. Fielding, who is at table.]
W.S. I say, doc., it's all up.
Dr. F. Nonsense. Cheer up, old son. It's never as bad as Dr. Bob makes out.
W.S. Yes; I'm finished. God! but this will break up the mother.
Dr. F. Then you mustn't tell her.
W.S. I'm not going to. But she'll guess. Mothers seem to feel things. Look here, doc., I'm on for a night with the Indians. I'll have forgotten about it myself by to-morrow. That's the best way.
Dr. F. I'm with you. And in the meantime, remember we doctors know very little.
MRS. B. (coming forward) I wouldn't believe the whole lot of them if they said I had to die to-morrow.
Dr. F. Quite right.
[DR. BOB's bell. SERVANT enters and shows JANE into consulting-room.]
Dr. F. I'll be with you in a moment, Jane (Jane nods and smiles and goes in.) Take my word for it, Will, there's always hope. I'll see you at the Club at 8 o'clock.
W.S. Right you are! (Seriously and pathetically) And thank you so much for --- lying to me! {72}
[He bows to MRS BOB, shakes hands with DR. FIELDING, and goes out R.
MRS. B. Another victim!
Dr. F. It's a shame!
MRS. B. Will you stand by me?
Dr. F. You know I will. What is it?
MRS. B. Let's teach him a lesson. I've got a splendid idea. It isn't hardness of heart; but he doesn't see clearly. I want to make him feel and understand what it is that he's doing.
Dr. F. And how do you propose to do it?
MRS. B. Well, you know he asked you to look at his throat. Tell him it's something terrible, that he's got to die! Can you think of anything?
Dr. F. Why, of course, cancer!
MRS. B. (shocked) Oh!
Dr. F. Cancer of the throat has just such slight symptoms. Nobody can tell without examination.
MRS. B. Oh, you don't think it really might be that?
Dr. F. Not one chance in a thousand. But he'll believe me if I tell him that that is what it is......Do you really wish me to do it?
[MRS. BOB and DR. FIELDING look at each other steadily. From within the consulting-room comes the sound of a cry, a fall, and overturned furniture.]
MRS. B. Yes, I do.
[The consulting-room door bursts open.
Dr. B. (in doorway) Here, Fielding!
[FIELDING goes in. JANE is lying on floor in utter collapse. Both doctors work had on her with heart massage and {73} injections, at last recovering her sufficiently to bring her out.] Dr. B. Here, Nan, tell them to light the fire in the spare bedroom!
[MRS. BOB goes out. DR. BOB'S telephone on bureau rings. DR. BOB goes to it.]
Dr. B. Half a minute, Fielding. Look after her.
[JANE gasps and opens here eyes.
JANE. You've been lying to me. Father of Heaven! I don't want to die. I cannot be so ill as he says!
Dr. F. No, dear child, no. The fact is --- er --- er --- well, we've just discovered he's a bit mad, do you see? Listen to me, Jane.
Jane. Oh, I'm trying to.
Dr. F. He says the same thing to everybody --- it's his mania. Don't believe a word of it.
Jane. No, no.
{She collapses again. DR. BOB replaces telephone receiver, and comes forward. He and DR. FIELDING carry JANE out L. Outer bell. SERVANT ushers in a patient. Enter L. MRS. BOB in a state of violent excitement.]
Mrs. B. Go! go! Why will you stay in this house of death? (The Patient manifests surprise.) Go! go! I say. My husband can see no more patients to-day.
[She shows him out, returns to centre of stage, breaks out crying, and goes off L. as DR BOB and DR. FIELDING return. Their loud voices are heard arguing without.]
Dr. F. It might have killed her; and it very nearly did.
Dr. B. Look here, Fielding, this is too bad. Hang it, if you'd brought me the girl a year ago I might have cured her. {74}
Dr. F. And now you've killed her.
Dr. B. I killed her? Well, let me tell you, you killed her yourself. You let her think that she was not as bad as she was; that led her to neglect herself, and now you bring her to me with about a cubic inch of lung left to breathe with, and expect me to tell her that she'll live to be ninety. It's this infernal system of lying that's at the bottom of all the trouble.
Dr. F. Well, she'll die now, for sure. (They are now in the consulting-room). By the way, shall I look a that throat of yours?
Dr. B. Yes, I wish you would. It's very slight, but it's been hanging about for a month.
[He sits and throws his head back for the examination, which DR. FIELDING begins. MRS. BOB comes in L., sees the two men, and draws back, facing audience, with a pleased expectant smile].
DR. F. Whew!..............My God!
"He draws himself up with a gesture of utter agony. This is genuine. Dr. Bob has really cancer; this is the tragedy of the joke. Dr. F. must indicate this by his manner. But he daren't break it to Mrs. Bob, who thinks throughout that he is acting.
Dr. B. What's the matter?
Dr. F. My God! Pull yourself together, old man. I've bad news for you.
Dr. B. (gone white) It's you that need to pull yourself together. Come, out with it! It isn't.......it isn't.......
Dr. F. Yes, it is.
Dr. B. Cancer?
Dr. F. Cancer. Oesophagus involved, too; it's no use operating even. You haven't a month. {75}
MRS. B. (aside) What splendid acting!
Dr. B. Oh, my God! (He falls back in his chair, sick and limp.)
Dr. F. I'm sorry --- I'm awfully sorry --- but it's true.
Dr. B. Oh, my poor wife. Here! Think! Think! How shall we ever break it to her? (He rises and staggers out of the consulting-room. Seeing MRS. BOB he stops.
Mrs. B. (pretending not to notice his agitation) Well, dear, and what does Dr. Fielding say?
Dr. B. (hoarsely) Nan, I hardly like to tell you. Oh, Nan, it's the very worst. It's the most malignant form of cancer. I haven't a month to live. (Wildly) Ha! ha! ha! Dr. Doom'em doomed at last! (Breaking down) Oh, Nan, Nan, what am I to say to you? And what am I to do about my work?
Mrs. B. You've been working too much, dear. I dare-say it's not really very bad; and the rest will do you good.
Dr. B. A pretty long rest. From now to the Day of Judgment. And you have nothing better to tell me than the same old lies! Lies! Lies! Here, I've work to do. Good God! --- I've work to do.
[He rushes into the consulting-room and bangs the door. MRS. BOB, hiding her face in her hands to cover her laughter, rushes off L., followed by FIELDING, his face white and sad. He hesitates a moment, stops, and says (aside) I can't tell her --- I daren't tell her. I must keep up the farce.
[The door banged by DR. BOB swings open on the rebound, and he is seen at his bureau arranging papers. He completes this work methodically; then goes to a drawer, picks out a hypodermic syringe, and fills it, injects his arm. He {76} then comes to the table, opens a box of cigars, and selects one, then puts it back with a little laugh and takes and lights a cigarette.]
Dr. B. Ten minutes!
[He seats himself comfortably, and puffs at the cigarette. A long pause. MRS. BOB and DR. FIELDING return.]
Mrs. B. I must tell him --- I must tell him! He's suffering too much. (Runs in.) Bob!...... What is it?
Dr. B. I have about seven minutes of life left, Nan. I could not bear to let you see me suffer for a month.
Mrs. B. What do you mean? Oh, don't you see it was all a joke? We wanted you to understand how the people felt when you condemned them. There's nothing the matter with you.
Dr. B. More of your lies. You've killed me with your lies now. I've injected cobra venom, and nothing can save me. Good-bye, Nan! [She is dazed, staggers, and falls into his arms, fainting.] A pleasant joke, Fielding. Well, you never had much sense.
[He falls. FIELDING, distracted, walks about, waving his arms in despair. DR. BOB dies. MRS. BOB recovers, and kisses and embraces the corpse, sobbing.]
Mrs. B. I've killed my husband! I've killed my husband!
Dr. F. Mrs. Bob, I can spare you one sorrow. It was no joke. Your husband really had cancer.
Mrs. B. Oh, you can't lie to me!
O Rose of Death, open thy petals wide! Aching with infinite sweetnesses within To crush the wavering insect, and to win From the deep crimson heart of thee a tide Of wondrous Life; as when the Crucified, Hanging in shame to expiate all sin. Found in the dying thief a soul akin To His own soul. Is not all Truth allied? O miracle of miracles sublime, That all created things should sink to climb! O mystery incarnate of the soul, That dies but to be born anew! The whole One monstrous effigy of Life, that Time Scrawls with fantastic hands from pole to pole.


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Freshmen Stefan Jankovic and Negus Webster-Chan combined for 34 points and 12 rebounds as the former high school teammates led Missouri Basketball to an 86-60 victory over Missouri Southern to close out exhibition play on Sunday.
Jankovic came off the bench and flourished on the perimeter, hitting 8-of-13 shots, including three from outside the three-point stripe to pace the Tigers with 20 points. His former high school point guard, Webster-Chan, earned his first start as a Tiger and scored 14 points on 5-of-7 shooting to go with seven rebounds and three assists.
Webster-Chan earned the start after senior Keion Bell was sidelined with an illness. The Scarborough, Ontario, native quickly stepped in for Bell and even saw extended time running the point and did not commit a turnover in 28 minutes of playing time.
Missouri was once again balanced offensively, led by the two freshmen. Junior college transfer Tony Criswell also came off the bench and added 13 points on 5-of-8 shooting, while Laurence Bowers and Earnest Ross chipped in 11 and 10 respectively.
Missouri Southern kept the game tight in the first half thanks to the hot shooting of Marquis Addison. Addison had 14 of his team-high 19 points in the first half and the Tigers carried just a 42-33 lead into the break.
The game quickly turned in the second half, however, as an improved defensive intensity allowed Mizzou to start the second frame with a 13-2 run. Phil Pressey and Webster-Chan each scored four quick points and Missouri pushed its lead to 57-35 with just under 14:00 remaining.
Missouri led by as many as 31 in the second half and shot 63 percent over the final 20 minutes, while holding Missouri Southern to just 33 percent shooting during that same stretch.
The win caps exhibition play for the Tigers. Missouri returns to action on Saturday afternoon vs. SIU Edwardsville at 4 p.m. That game time was moved back one hour due to Mizzou Football's game at Tennessee next weekend.


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On the televised undercard, heavyweight Vincent Thompson (11-0) defeated Joell Godfrey (14-7-1) by unanimous decision in a snoozefest being almost the exact opposite of the main event. Godfrey was not willing to fight and stayed in survival mode while Thompson won basically just because he threw punches which were still few. The ESPN commentators also pointed out that Godfrey was wearing contacts in which one of them came out of his eye during the fight.
The non-televised undercard featured some good bouts and knockouts. St. Louis hometown boxer Ryan Coyne (20-0) defeated Julius Fogle (15-8) in a light heavyweight match that should have been aired instead of the Thompson/Godfrey undercard. Coyne started a little slow in the first round, but settled in well afterwards. Coyne's right hook to the body became his signature punch of the night leading to a dominate decision win for the "Irish Outlaw". Fogle was knocked down three times and was noticeably tired, but Coyne came up a little short of the KO victory.
Local boxer Chris Rapa (6-0) fought against Steve Kollin (2-2) winning a majority decision of the four round welterweight bout. Rappa has over 100 amateur fights, but was not overly impressive. He looked much larger than his opponent and with his experience, I expected more. He has fought as heavy as middleweight while Kollin has fought as low as light welterweight. He started slow and Kollin picked him apart well early. However, he did get the win and clearly won the second half of the fight.
Leon Spinks III (2-0) vs Chavron Spain (0-1) was the walk out bout of the night with Spinks getting a unanimous four round decision win. Spinks was relatively hesitant until the last round when he scored two knockdowns and at one point of the fight, he was punching while not looking doing so in a showboating manner. It was an easy win for the third generation Spinks, but it is way too early in his career to compare him to Leon, Michael or Cory Spinks and especially since he does not have the amateur pedigree coming into the pro ranks as they did.
Heavyweight Tex Trismegistus (1-0) won in his pro boxing debut against Brandon McCrary (0-1). Trismegistus looked very cold early and McCrary actually appeared to be winning until Trismegistus finally assaulted him in the third round resulting in a knockdown. McCrary rose from the knockdown and looked able to continue. but the referee called the fight in a quick stoppage.
Ian Warren (2-0) defeated Mitchell Harris (0-2) by unanimous decision in a four round cruiserweight bout. Warren easily dominated the fight, but was mostly just willing to jab his way to a victory against an outclassed opponent.
Samir Simpson Bey (1-0) also won his pro debut versus Nick Fannin (0-2) with a dazzling knockout via a left hook on the button. Fannin was clearly overmatched, but was a fair opponent for a debut. See video of the knock out posted below.
Ji-Hoon Kim vs Alisher Rahimov on YouTube


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Welcome to nic.physio, policy and technical website of Phys Biz Pty Ltd, the policy authority and industry self-regulatory body for the .physio top level domain (TLD). The .physio TLD provides members of the world's physiotherapy and physical therapy community the exclusive opportunity for an internet name-space specific to their profession. The .physio TLD provides greater opportunities for networking, advocacy, education, fellowship and business enterprise; as well as improving communication with customers and promotion of the profession.
If you need to report an issue please contact one of the following
AbuseLevel 8, 10 Queens Rd
Melbourne, Victoria 3004
PO Box 316,
Floreat WA 6014,


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NRI Services
Private Banking
What is Verified by Visa?
What is SecureCode
Verified By Visa
Terms and Conditions
Register Now
Contact Us
What is American Express Safekey?
I. General Questions
What is the American Express Safekey service (also known as 3D Secure service)?
American Express Safekey is a service offered by ICICI Bank in partnership with American Express. This service provides a way to PIN-protect your Card usage on the Internet.
Simply register your Card and choose a 3D Secure PIN. This 3D Secure PIN will be required whenever you use your Card to make Internet purchases from participating merchants. The requirement of your 3D Secure PIN prevents unauthorized usage of your Card on the Internet, giving you more confidence about making secure purchases online.
Will I need to apply for a new ICICI Bank Card to use American Express Safekey ?
No. American Express Safekey is designed to protect the ICICI Bank Card that you already have.
How much does American Express Safekey cost?
American Express Safekey is free to ICICI Bank Cardholders.
How do I know that my information will be kept private?
ICICI Bank recognizes our obligation to keep information about you secure and confidential. It's important for you to know that, unlike many other financial institutions, we do not sell or share customer information with marketers outside the ICICI Bank. Your information is transmitted using a high level of encryption. We only keep the information necessary to offer the service, which we store on a secure server. To learn more, check out our Privacy and Security information.
Is American Express Safekey easy to use?
American Express Safekey is quick and easy to use. When you submit an order in one of the participating online stores, you will be asked for your American Express Safekey 3D Secure PIN. Simply enter your 3D Secure PIN, choose Submit, and you're done.
What browser do I need to use for American Express Safekey ?
American Express Safekey requires Microsoft Internet Explorer version 4.0 and above, Netscape Navigator 4.0 and above, or America Online 4.0 and above.
Can I use American Express Safekey from any computer?
Yes. One of the great advantages of American Express Safekey is that you can use it from any computer connected to the Web.
II. Registering Your Card
What cards can I register with American Express Safekey ?
You can register any of your ICICI Bank Credit or Debit Cards.
Can I register more than one ICICI Bank Card?
Yes. You are, in fact, required to register all of your ICICI Bank Cards that you wish to use for Internet shopping.
I have an Add-on card. Does the person who holds the Add-on card have to register their card separately or can we share a 3D Secure PIN?
We do not recommend sharing your 3D Secure PIN with anyone. The Add-on cardholder would have to register separately for American Express Safekey and create his/her own 3D Secure PIN. This increases the security of your American Express Safekey online purchases.
Why do you require personal information, such as my date of birth, during registration?
We need to ensure that only the rightful owner of the American Express card is able to register for American Express Safekey. By providing this personal information you help us verify your identity.
I encounter an error message even though I am entering the correct card details and my genuine date of birth. Why does this happen and what should I do?
You must ensure that you enter your Card number & valid from date exactly as it is indicated on your ICICI Bank Card. You will receive an error message if any of these details do not match.
An error would also appear if the date of birth that you are entering does not match with your date of birth (DOB) as captured in our records. This may be due to any reasons that could have occurred during your Card application. To update your correct DOB in our systems, please contact ICICI Bank Customer Care and follow the steps for Date of Birth updating.
What does my 3D Secure PIN have to be made up of?
Your American Express Safekey 3D Secure PIN must be 6 digits in length and contain only numbers.
Why can't I use alphabets in my American Express Safekey 3D Secure PIN ?
According to the Reserve Bank of India, there will soon be a mandate to enter a 3D Secure PIN for all Interactive Voice Response - IVR (tele-shopping transaction) transactions that take place over the phone. In such cases it is not possible for a customer to enter alphabets or special characters and this is where your numeric American Express Safekey 3D Secure PIN will come in hand. Your 3D Secure PIN will work for IVR transactions also, so that you are not forced to remember different 3D Secure PINs for online shopping and IVR shopping.
What steps should I take to ensure that my 3D Secure PIN is strong and difficult to guess?
Avoid using a 3D Secure PIN that is easy to guess, such as your date of birth. Also avoid using a 3D Secure PIN that you have already used elsewhere. Keep in mind that while consolidating 3D Secure PINs may be more convenient, it can also be less secure. It is your responsibility to protect your 3D Secure PINs.
A secure 3D Secure PIN should be something that is easy for you to remember but difficult for anyone else to guess. Never write down your 3D Secure PIN in a place that could be easily located. Never share your 3D Secure PIN with others. You may even choose to change your 3D Secure PIN periodically.
Can my American Express Safekey 3D Secure PIN be the same as my Infinity Banking Password?
No, since your Infinity Banking Password cannot be purely numeric, it is not possible for you to keep the same 3D Secure PIN for 3D Secure.
If I register two or more ICICI Bank Cards, can I set the 3D Secure PIN to be the same for all the Cards I register?
When you register with American Express Safekey you will be asked to create a 3D Secure PIN only for the Card that you are registering. This 3D Secure PIN allows you to make online purchases from participating American Express Safekey merchants using only that particular card. It is up to you to use the same 3D Secure PIN for your other Cards as well. Keep in mind that while consolidating 3D Secure PINs may be more convenient, it can also be less secure. It is your responsibility to protect your 3D Secure PINs.
What is a Personal Message?
You create your Personal Message as in your American Express Safekey registration. When you pay online, always look for your Personal Message before you enter your 3D Secure PIN to ensure that you're using the authentic American Express Safekey service.
Can I set my Personal Message to be the same as my 3D Secure PIN?
Your Personal Message and your 3D Secure PIN must not be the same, to ensure your security.
III. Using American Express Safekey
How will I shop with American Express Safekey ?
When you pay with your ICICI Bank Card, the 3D Secure service will automatically be extended to you at participating online stores.
Where will I be able to shop using American Express Safekey ?
You can shop at any online store that has the American Express Safekey symbol. According to Reserve Bank of India, all e-commerce merchants in India must implement this second level authentication by August 1, 2009. American Express Safekey is the service that merchants will be using for all American Express card transactions and hence you would be required to use your 3D Secure PIN at all online merchants from August 1, 2009.
How soon after completing my online registration can I begin to use the American Express Safekey service to make online purchases?
The service is activated as soon as you receive confirmation of your registration. You can go shopping immediately at a participating American Express Safekey merchant. At check-out, you will be required to enter your 3D Secure PIN in the 3D Secure window.
What will happen when I go to pay online?
When you finish shopping at a participating American Express Safekey merchant, proceed to the merchant's check-out page. After you enter your registered ICICI Bank Card number and submit your purchase, your Verified by 3D Secure payment window will appear. First, look for your Personal Message. Confirm that it is correct and then, enter your 3D Secure PIN and choose Submit.
Once I sign up for American Express Safekey , will I enter my 3D Secure PIN wherever I shop?
You'll enter your American Express Safekey 3D Secure PIN only when making an online purchase.
I made an online purchase, but the American Express Safekey window did not appear. What's wrong? (not permitted for Indian Merchants after August 1, 2009. International merchants however are not covered in the RBI mandate)
First, check to make sure that the Card you used for the purchase is one that you have registered with the ICICI Bank American Express Safekey service. Second, determine whether the merchant is a participating American Express Safekey merchant. The merchant must be participating in the American Express Safekey service in order for the window to appear.
Some participating merchants have formed marketing alliances with other stores in the hope of providing increased selection and better service to customers of both stores. You may be able to link to these partner stores from the participating merchants' web sites. These partner stores may be independently operated web sites that may not support the American Express Safekey service and may not prompt you for your 3D Secure PIN before completing the purchase. Please check to see if whether the web e from which you are ordering is a web site of a American Express Safekey participating merchant or that of a partner store.
What happens if I try to make a purchase at a merchant that doesn't participate in the American Express Safekey service?
The only difference is that you will not see the American Express payment window prompting you for your 3D Secure PIN – the purchase will proceed just as it did before you registered your Card with American Express Safekey . Of course, by shopping at participating American Express Safekey merchants, you have the extra security of confirming your identity with your 3D Secure PIN.
I don't see my Personal Message on the receipt. What should I do?
Always look for your Personal Message before signing the receipt. If your Personal Message does not appear on the receipt, do not sign it – contact our customer service personnel.
The Personal Message on the receipt is not mine. What should I do?
If a Personal Message other than yours appears on the receipt, please do not sign it – contact our customer service personnel. Always look for your Personal Message before signing the receipt.
What happens if I cancel my ICICI Bank Card and then get a new one with a different account number?
You will need to register the new Card for the American Express Safekey service.
IV. Member Service
Can I change my 3D Secure PIN?
Yes. You can change your 3D Secure PIN, anytime you wish. All you need to do is to log onto
and sign into the 3D Secure service using your Card number as the username and your 6-digit numeric 3D Secure PIN as the login 3D Secure PIN. You will see the link to change your 3D Secure PIN once you sign in. follow the simple steps to change to 3D Secure PIN. Please note that you must have your mobile number updated with ICICI Bank to be able to complete this process. Please be advised that since ICICI Bank's 3D Secure website is a secure site, the above link must be typed in as shown. Alternatively, you may choose to visit
to reach the same website.
What if I forget my 3D Secure PIN?
For your protection you are offered three attempts to enter your 3D Secure PIN correctly before your 3D Secure PIN is suspended. By selecting 'Forgot 3D Secure PIN', you will be asked to provide your card details and your date of birth as you had entered them during enrolment. After this, you would be sent a One Time Password (OTP) at your ICICI Bank registered mobile number , via an SMS. You would then have to enter this OTP either during your current transaction or by visiting
. Once you have entered the OTP successfully, you will be allowed to create a fresh 3D Secure PIN. If you still face problems, please contact ICICI Bank for assistance.
How do I change the mobile number that I have selected for use with American Express Safekey correspondence?
ICICI Bank 3D Secure service uses the mobile number that you have updated with ICICI Bank Cards for all its communication. To make a change in the 3D Secure correspondence address or mobile number, update your new details with ICICI Bank Customer Care.
What happens if my Card is lost or stolen? Do I have to re-register with the American Express Safekey service when I receive a new Card?
To report your Card lost or stolen, call ICICI Bank Customer Care. Since you have registered your Card with American Express Safekey , you have reduced the chance for online fraud on your Card. You will be required to re-register your new Card number, and the new Card number will be associated with your existing American Express Safekey profile.
What happens if I suspect that someone has stolen or guessed my 3D Secure PIN?
If you feel that your 3D Secure PIN has been compromised, log in to our 3D Secure website '
' to re-set your 3D Secure PIN. If you also feel that your Card number has been compromised and may be used fraudulently, you should immediately call ICICI Bank Customer Care and report your card as lost or stolen.
Whom should I call if the goods I purchase using the American Express Safekey service do not arrive, are damaged, or are unsatisfactory?
Your first attempt to correct the problem should be to contact the merchant with whom you placed the order. Almost all online merchants have return policies and instructions posted on their web sites. Customer service phone numbers are also easily accessible on the merchants' site. Most online merchants will do their best to correct the problem in a timely manner. If the merchant fails to resolve the issue, you can dispute a transaction according to the terms and conditions of the card you used to make the purchase.
Copyright © 2006 ICICI Bank


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Media Advisory
February 25, 2014
Climate Leadership Award Winners Announced
SAN DIEGO – Fifteen organizations and two individuals are being honored today with Climate Leadership Awards for their accomplishments in driving climate action and reducing greenhouse gas emissions.
The awards are given by the Environmental Protection Agency's Center for Corporate Climate Leadership, in collaboration with the Center for Climate and Energy Solutions (C2ES), the Association of Climate Change Officers and The Climate Registry. Awardees will be honored this evening at the Climate Leadership Conference in San Diego.
Awardees came from a wide array of sectors, including finance, manufacturing, retail, technology, higher education and local government. Recipients have demonstrated leadership in managing and reducing emissions in internal operations and the supply chain, as well as integrating climate resilience into their operating strategies.
Information highlighting the award winners is here:
Following is EPA's press release:
EPA Honors Corporate Leadership in Reducing Greenhouse Gas Emissions
Release Date: 02/25/2014
Contact Information: Carissa Cyran, email@example.com, 202-564-4363, 202-564-4355
WASHINGTON – Today, the U.S. Environmental Protection Agency (EPA) Center for Corporate Climate Leadership announced the third annual Climate Leadership Award winners in partnership with the Association of Climate Change Officers (ACCO), the Center for Climate and Energy Solutions (C2ES) and The Climate Registry (TCR). Nineteen awards were given to 15 organizations and two individuals in the public and private sectors for their leadership in addressing climate change by reducing carbon pollution.
The 2014 Climate Leadership Award recipients are:
- Organizational Leadership Award: City of Chula Vista, Sprint, and University of California, Irvine
- Individual Leadership Award: Sam Brooks, Associate Director, D.C. Department of General Services, and Robert Taylor, Energy Manager, Washington Suburban Sanitary Commission
- Supply Chain Leadership Award: Sprint
- Excellence in Greenhouse Gas Management (Goal Achievement Award): The Boeing Company; Caesars Entertainment; Cisco Systems, Inc.; Ecolab; The Hartford; IBM; Johnson Controls; Kohl's Department Stores; Mack Trucks; and Novelis
- Excellence in Greenhouse Gas Management (Goal Setting Certificate): Fruit of the Loom, Inc.; Hasbro, Inc.; and Kohl's Department Stores
"Our Climate Leadership Award winners have made great strides in reducing greenhouse gas emissions, and are providing leadership nationwide in many sectors of our economy," said Janet McCabe, acting assistant administrator for EPA's Office of Air and Radiation. "Their innovative approaches and commitment to reducing carbon pollution demonstrate that efforts to address climate change are repaid by saving money and energy, while supporting more livable and resilient communities, and a healthier, better protected environment now and for future generations."
The national awards program recognizes and incentivizes exemplary corporate, organizational, and individual leadership in response to climate change. Award recipients represent a wide array of industries, including finance, manufacturing, retail, technology, higher education and local government.
"The Association of Climate Change Officers is pleased to recognize another exceptional class of organizations and individuals who are demonstrating leadership in driving climate action into their organizational cultures," said Daniel Kreeger, ACCO's co-founder and executive director. "These award recipients are demonstrating critical devotion and leadership to managing and reducing greenhouse gas emissions and adapting to the risks and challenges posed by climate change. These recipients are role models for corporate, organizational, and individual leaders who can and should be responding proactively to climate change risks and opportunities."
"Communities and businesses are already experiencing the impacts of climate change, and we need to act now to protect both our environment and our economy," said C2ES President Eileen Claussen. "We join EPA in applauding the winners of the Climate Leadership Awards. These companies, organizations, and individuals demonstrate that we can save energy, reduce emissions, and take decisive steps toward a low-carbon future. We hope their accomplishments will serve as an example for others to follow."
"The Climate Registry applauds this year's Climate Leadership Award winners for demonstrating a meaningful, results-oriented response to climate change," said David Rosenheim, executive director of TCR. "Exhibiting transparency, consistent metrics, and innovative mitigation measures, our deserving award recipients are building a stronger platform for policy, innovation, and business solutions to reducing carbon pollution."
The President's Climate Action Plan calls on the federal government to work with all stakeholders to take action to cut the harmful carbon pollution that fuels climate change. These organizations and individuals are working to do just that.
The awards are held in conjunction with the 2014 Climate Leadership Conference at the Hyatt Mission Bay Hotel in San Diego, Calif.
More information about the 2014 Climate Leadership Award winners is available at www.epa.gov/climateleadership/awards/2014winners.html
The EPA's Center for Corporate Climate Leadership was launched in 2012 to establish norms of climate leadership by encouraging organizations with emerging climate objectives to identify and achieve cost-effective GHG emission reductions, while helping more advanced organizations drive innovations in reducing their greenhouse gas impacts in their supply chains and beyond. The Center serves as a comprehensive resource to help organizations of all sizes measure and manage GHG emissions, providing technical tools, ground-tested guidance, educational resources, and opportunities for information sharing and peer exchange among organizations interested in reducing the environmental impacts associated with climate change.
More information about EPA's Center for Corporate Climate Leadership: www.epa.gov/climateleadership